Terms of Service

Last updated: May 2026 · Flo Financial Technology · flo-hk.com

Not financial advice: Flo provides financial management tools and estimates only. Nothing in this application constitutes financial, tax, legal, or investment advice. Always consult a qualified Hong Kong CPA for your specific tax obligations.

1. Acceptance of terms

By creating an account and using Flo at flo-hk.com, you agree to these Terms of Service. If you do not agree, do not use the service.

2. Description of service

Flo is a financial management application for Hong Kong freelancers and sole traders. It provides tools for invoice creation, expense tracking, tax reserve estimation, and financial analysis. Flo is a software tool, not a financial services provider, accountancy firm, or tax advisor.

3. Accounts and eligibility

You must be 18 or older to create an account
You are responsible for maintaining the security of your account credentials
You must provide accurate information when creating your account
One account per person — sharing accounts is not permitted

4. Subscription plans and billing

Free plan: limited to 5 invoices and 20 expenses per month. No credit card required.
Pro plan (HK$88/month or HK$799/year): unlimited usage of all Pro features
Tax Season add-on (HK$398/year): one-time annual purchase for P&L export features
Subscriptions renew automatically. You may cancel at any time.
Refunds: we offer a pro-rata refund within 14 days of any new subscription or renewal if you have not used the service substantially
Price changes: we will notify you at least 30 days before any price increase

5. Acceptable use

You agree not to:

Use Flo for any unlawful purpose or in violation of Hong Kong law
Attempt to access other users' data
Reverse-engineer, scrape, or copy the application
Use Flo to process invoices or expenses for businesses other than your own sole trader business without explicit permission
Input false financial data for the purpose of generating misleading tax estimates

6. Financial calculations disclaimer

All tax calculations in Flo are estimates based on standard HK Profits Tax rates (8.25% on first HK$2,000,000 assessable profit; 16.5% above) and published IRD guidelines as of the date of this document. Individual tax liability depends on personal circumstances including business structure, allowances, and other income. Flo Financial Technology accepts no liability for tax assessments, penalties, surcharges, or disputes arising from the use of tax estimates produced by this application. You should verify all tax obligations with a qualified Hong Kong Certified Public Accountant before filing.

7. AI features disclaimer

Flo uses AI to classify expenses, generate financial insights, and answer questions about HK tax rules. These AI outputs:

Are estimates and general guidance only, not professional financial advice
May not reflect the most current IRD rulings or your specific circumstances
Should not be relied upon as the sole basis for any tax filing or financial decision
Are provided as a convenience tool to help you understand your finances, not to replace professional advice

8. Data and privacy

Your use of Flo is subject to our Privacy Policy. We store your financial records for 7 years as required by Hong Kong IRD regulations. You may export or delete your data at any time as described in the Privacy Policy.

9. Service availability

We aim to maintain 99.5% uptime but do not guarantee uninterrupted service. We will notify users in advance of planned maintenance. We are not liable for losses arising from service interruptions, except where caused by our gross negligence.

10. Intellectual property

The Flo application, brand, and all associated content are owned by Flo Financial Technology. You retain ownership of all financial data you input into the application.

11. Termination

You may close your account at any time via Settings → Account → Delete account. We may suspend or terminate accounts that violate these terms. Upon termination, your data will be retained for 7 years as required by law, then permanently deleted.

12. Limitation of liability

To the maximum extent permitted by Hong Kong law, Flo Financial Technology's total liability to you for any claim arising from use of the service is limited to the amount you paid in subscription fees in the 3 months prior to the claim. We are not liable for indirect, consequential, or special damages including lost profits or data loss.

13. Governing law

These Terms of Service are governed by the laws of Hong Kong SAR. Any disputes will be subject to the exclusive jurisdiction of the Hong Kong courts.

14. Changes to terms

We will notify you by email at least 14 days before making material changes to these terms. Continued use of Flo after changes take effect constitutes acceptance of the new terms.

15. Contact

Questions about these terms: hello@flo-hk.com